Disclaimer

Offshore Risk Management is a Fictitious (Trading) Name of:
ORM Inc. &/or ORM Insurance Services Inc. &/or ORM Merritt Island Inc., all Florida Corporations.
ORM in Florida is authorised and regulated by the Florida Department of Financial Services and other entities.
Registered office: 807 Forrest Avenue, Cocoa, FL 32922

ORM is also a Fictitious (Trading) Name of:
Offshore Risk Management Limited, a Nevis Corporation.
ORM is authorised and Regulated by the Nevis Financial Services Commission
Registered office: Hunkins Waterfront Jewels, Charlestown, Nevis, West Indies
Mailing Address: POB 4668, New York, NY 10163-4668

Complaints
Complaints should be mailed to Administrative Headquarters, Offshore Risk Management, POB 4668, New York, NY 10163-4668, eMailled to clientservices@offshorerisk.com
or telephoned to Administrative Headquarters, (305) 743-7711 or faxed to (408) 228-8937 or (760) 875-9772.

Contract Certainty
We are committed to achieving “Contract Certainty” for all risks placed wherever possible. “Contract Certainty” is achieved by the complete and final agreement of all terms between the insured and insurers before inception of the insurance. Please therefore ensure, wherever possible, your written instructions to place any insurance are given in a timely manner.

eMails
eMails referencing this disclaimer and any attachments are CONFIDENTIAL and may contain legally privileged information. If you are not the intended recipient of the eMail message then please contact us immediately, delete the message from your system, and do not read, copy, distribute, disclose or otherwise use the eMail message or any attachments.

Although we believe emails and any attachments sent are free of any virus or other defect that may affect your computer, it is the responsibility of the recipient to virus check prior to opening and we do not accept any responsibility for any loss or damage arising in any way from infected emails.

Website
The information contained in our websites is not intended to be an offer to sell or a solicitation in connection with any product or service offered in any jurisdiction where such an offer or solicitation would be unlawful or in which our firm, its/their owners, employees, associates, partners, officers, directors, affiliates, heirs, assigns, et cetera, are not qualified to do so. Products and services described in our websites may not be available in all jurisdictions. The information in our websites is not intended to be a complete description of all terms, exclusions and conditions applicable to the products and/or services. Read your policy!

Third Party Services
Some products and/or services are provided by third parties including Premium finance services. You may elect to use any source of premium finance you wish. If you elect to finance your premium we will execute all the necessary documents on your behalf.

If the premium is financed and the installment(s) are not received in a timely manner by the premium financer your coverage may be cancelled without prior notification and you will be unprotected.
In most cases you may pre-pay the balance with little or no penalty. Contact our office for details. We accept no responsibility for timely payment of your premium.

Do not send your installments to us unless you are instructed to do so in writing by an authorized individual of our firm.

Important note regarding submissions & supporting documentation
Please review your entire submission carefully including any supporting documentation before submitting forms as false or inaccurate information may void your insurance. Submitting forms does not bind you to purchase the insurance or any Insurer to accept the risk, however it is agreed that the information submitted shall be the basis of the quotation and contract should coverage be bound and/or a policy issued. Read our Privacy Policy below.

No coverage is bound or in force until confirmed in writing by our office.

Privacy Policy
We obtain information from your application and other sources. We value our relationship with you and protecting the information we have about you is important to us.

Information we acquire from or concerning our clients will be treated as confidential and will not be disclosed, other than in the normal course of performing services for our clients including claims assistance or if the information is required by a court of competent jurisdiction or it is already in the public domain or it has been received independently from a third party.

In the normal course of performing services for our clients information may be shared within our group of companies and to third parties and may be used for research and statistical purposes and crime prevention. It may be transferred to any country, by any means secure or otherwise, including countries outside North America, the European Economic Area and other countries where we do business or may do business.

When our clients or prospective clients supply us with information containing personal data (names, addresses, or other information relating to individuals), we will hold and use that data to perform general insurance and other services for those clients.

We will provide that information to Insurers, reinsurers and prospective Insurers and reinsurers so they may properly evaluate your proposal for coverage.

You have the right to verify the accuracy of the information we collect and keeping your information accurate and up to date is important to us and should be to you. You may see and correct personal information about you that we collect except for for information relating to a claim or a criminal or civil proceeding.

We restrict access to personal information about you. We maintain physical, electronic and procedural safeguards to protect your personal information.

If you have questions about this privacy policy statement or would like to learn more about how we protect your privacy please contact us.

Free offers
From time to time we offer incentives to clients or prospective clients such as T-shirts and other items. The offer and acceptance of these items should not influence your decision to purchase or use our products or services.

The value of any one item offered for free or without charge does not exceed $24.99 in value and the offer is void or invalid where prohibited by law.

You must request the free gift in order to receive it.

You are under no obligation to purchase any of our goods and/or services if you accept these incentives. For more information on Free Gifts contact us.